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Massachusetts SR-22 & High-Risk Auto Insurance

Massachusetts requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$35 to file, but high-risk premiums average $200–$400/mo depending on violation type and your path back to standard rates.

Massachusetts cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Massachusetts

Massachusetts requires minimum liability coverage of 20/40/5 ($20,000 bodily injury per person, $40,000 per accident, $5,000 property damage). Drivers with DUI convictions, license suspensions for serious violations, at-fault accidents while uninsured, or repeated traffic offenses typically face SR-22 filing requirements for 3 years. Personal Injury Protection (PIP) of $8,000 and uninsured motorist coverage are also mandatory in Massachusetts, making the state's minimum coverage package more comprehensive than most.

How Much Does Car Insurance Cost in Massachusetts?

High-risk insurance premiums in Massachusetts depend heavily on violation type, years since the incident, and whether you're still in the SR-22 filing period or transitioning out. A first DUI typically adds $1,200–$2,400 annually to premiums during the SR-22 period, while at-fault accidents while uninsured can increase rates $1,500–$3,000. The good news: rates drop significantly in the first year after SR-22 filing ends if you maintain a clean record.

Minimum Coverage
Massachusetts state minimums (20/40/5 liability, required PIP and uninsured motorist) during active SR-22 filing. No comprehensive or collision. Best for older paid-off vehicles where you can absorb replacement cost.
Standard Coverage
Increased liability limits (50/100/50 or 100/300/100) with SR-22 filing or within 12 months post-filing. Recommended for drivers with assets to protect or completing their requirement period.
Full Coverage
Comprehensive and collision added to enhanced liability limits. Required if financing a vehicle. Expect rates at the high end during SR-22 filing, dropping 20–30% in year one post-filing and another 15–25% in year two with no new incidents.

What Affects Your Rate

  • Violation type and severity (DUI adds more than speeding ticket accumulation)
  • Time since incident (rates drop 15–25% per clean year after SR-22 ends)
  • Whether you're in active SR-22 filing or post-filing rate recovery
  • ZIP code and city (Boston averages $280/mo for high-risk, Springfield $220/mo)
  • Credit-based insurance score (Massachusetts allows limited credit use in rating)
  • Continuous coverage history during and after SR-22 period

Compare Auto Insurance Rates in Massachusetts

Find Your City in Massachusetts

Boston skyline view from the harbor with sailboats in foreground and downtown buildings on clear day

Boston

urban
Worcester, Massachusetts cityscape and street view

Worcester

urban
Springfield, Massachusetts cityscape and street view

Springfield

urban
Cambridge, Massachusetts cityscape and street view

Cambridge

urban
Lowell, Massachusetts cityscape and street view

Lowell

urban
Aerial view of historic stone courthouse with clock tower surrounded by green lawn in small town center

Brockton

urban
Golden grass stalks in a field backlit by sunlight against a blue sky with white clouds at sunset

Quincy

suburban
Nighttime street view of illuminated convenience store with light trails from passing cars on wet pavement

Lynn

urban

Sources

  • Massachusetts Registry of Motor Vehicles - License Reinstatement Requirements
  • Massachusetts Division of Insurance - Minimum Auto Insurance Coverage Standards
  • Industry rate data from non-standard auto insurance carriers operating in Massachusetts

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